Northern Tier Credit Union

Northern Tier Credit Union is headquartered in Minot and is the 9^th largest credit union in the state of North Dakota. It is also the 1,456^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 31 employees and 11,307 members. Northern Tier Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics NORTHERN TIER NCUA # 12998 BankRate Report View Year Chartered 1959 Employees 31 Primary Regulator Assets and Liabilities Assets $96.28 million Loans $65.14 million Deposits $87.74 million Equity Capital $7.25 million Loan Loss Allowance $416,000 Unbacked Noncurrent Loans $994,000 Historic Data - December 2010 Assets $82.68 million Equity Capital $6.63 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $1.03 million Profit Margin - Quarterly Net Interest Margin 4.93% Return on Assets 0.64% Return on Equity 8.5% Interest Income $4.54 million Non-Interest Income $479,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Northern Tier Credit Union had $994,000 in non-current loans and owned real-estate with $7.66 million in equity and loan loss allowances on hand to cover it. This gives Northern Tier Credit Union a Texas Ratio of 12.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Northern Tier Credit Union held steady from 15.00% as of December 31, 2010 to 12.97% as of December 31, 2011, resulting in a positive change of 13.52%.This indicates that the balance sheet and financial strength for Northern Tier Credit Union has held steady in recent periods. Deposit Growth In the past year, Northern Tier Credit Union has increased its total deposits by $12.79 million, resulting in 17.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Northern Tier Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Northern Tier Credit Union has $96.28 million in assets with $7.66 million in equity, resulting in a capitalization level of 7.96%, which is below average.

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